FloridaBlue BlueOptions HDHP Bronze

Transcription

1 FloridaBlue BlueOptions HDHP Bronze HDHP Bronze MEDICAL PLAN ENROLLMENT CODE FHDB Estimated Metal Level Bronze Carrier Network BlueOptions Plans & In-Network Out-of-Network Calendar-Year Deductible (Deductible applies where specifically stated) Person $6,350 $12,700 Family $12,700 $25,400 Calendar-Year Out-of-Pocket Expense Maximum (Includes deductible, coinsurance and medical/rx copays unless otherwise stated) Person $6,350 $25,400 Family $12,700 $50,800 Preventive Care (Includes annual Pap smear, routine mammogram and annual prostate exam) Well-woman, Well-baby, Well-man 100% covered 50% covered Physician Office Visit 50% covered AD Surgery Outpatient 50% covered AD Hospital Inpatient (Room and Board, Surgery, Anesthesia and Drugs/Supplies) 50% covered AD Provider Charges 50% covered AD Emergency Room (Copay waived if admitted) Urgent Care Prenatal Care and Inpatient 50% covered AD X-Ray and Lab Outpatient (Applicable deductibles and copays apply) 50% covered AD MRIs (Complex Imaging) Outpatient 50% covered AD Chiropractic** (Up to 26 spinal manipulations within 35 visits/year, combined with therapies) 50% covered AD Physical, Occupational and Speech Therapy** (Up to 26 manipulations within 35 visits/year, combined with chiropractic) 50% covered AD Mental Health Inpatient 50% covered AD Mental Health Outpatient 50% covered AD Substance Abuse Inpatient 50% covered AD Substance Abuse Outpatient 50% covered AD Ambulance (In-Network deductible applies to the Out-of Network benefit) Home Health Care** 50% covered AD Durable Medical Equipment (Except motorized wheelchairs) 50% covered AD Independent Clinical Lab Services 50% covered AD Ambulatory Surgical Facility Charges 50% covered AD Birth Center Services 50% covered AD Prescriptions + Retail (30-day supply if not specified) 50% covered AD Mail Order (90-day supply if not specified) 50% covered AD Specialty Pharmacy (Includes many specialty drugs. No mail order available. Call your carrier for more information.) (one month supply) 50% covered AD This material is general description only. To request a copy of your Certificate of Coverage, please contact TriNet SOI at AD: after deductible. State-mandated differences may apply, please see your SBC for more information. ** Limitations may apply. + For Provider-Administered Medications, please see COC for full details. 1 *Enrollment in this plan includes a $10,000 group life insurance benefit/ad&d coverage for the worksite employee. Benefits are subject to an age-based reduction starting at age 65. Basic life and AD&D policies are not included with COBRA medical plan continuation coverage.

2 Florida Blue High-Deductible Health Plan (HDHP) HDHP plans generally have lower premiums and higher out-of-pocket costs. TriNet HDHPs have a high deductible that must be met before the plan will pay for any medical or prescription drug costs with the exception of in-network preventive care, which is covered at 100%. For this kind of plan, there are in-network and out-of-network providers and once your deductible is met, you may share expenses through co-insurance until you meet your calendar-year out-ofpocket maximum. With an HDHP, you may also enroll in a Health Savings Account (HSA). With an HSA, you and your worksite employer may contribute to a savings account that will help you pay for eligible out-of-pocket health care expenses. Any unused funds in the HSA account rollover year to year. Generally, contributions from your worksite employer, if any, and deductions from your paycheck go into your HSA on a pre-tax basis. Even better, you do not pay taxes on the balance in your HSA or on any interest that accumulates, provided you use the funds for qualified health care expenses. (Note that a small minority of states (e.g., California) include HSA contributions to wages that are subject to state income tax. Please consult with your tax advisor.) It is important to note that unlike some other traditional medical plans that offer deductibles that apply to each covered individual, TriNet s HDHP 1 deductible and out of pocket maximum do not apply on an individual basis for the Employee + Spouse/Domestic Partner, Employee + Child(ren) and Family coverage levels. Instead, if HDHP 1 coverage is elected for any family combination (employee plan and any additional dependents), any one covered member or combination of covered members who incur eligible expenses will be subject to the entire family deductible. The only time the individual deductible will apply for a TriNet HDHP is when only one individual is covered by the policy (employee only coverage level) or if you are enrolled on the HDHP Affordable 2 plan with family coverage. Affordable Care Act All TriNet medical plans meet the Minimum Essential Coverage (MEC) requirements for the Affordable Care Act (ACA) individual mandate. This means that you will not have to pay the individual mandate penalty during any period you and your eligible dependents are enrolled in TriNet medical coverage. Prescription Medications All of the Florida Blue medical plans in this book include a prescription medication benefit. Additional cost savings may be available if you order your prescription through the mail. Specialty pharmacy prescriptions are not available through the mail order program. There are four levels of copays: Tier 1: Covered preferred generic prescription medications and covered over-the-counter (OTC) drugs on Florida Blue s formulary list. Tier 2: Covered preferred brand name prescription medications or supplies on Florida Blue s formulary list. Tier 3: Covered non-preferred brand name prescription medications or supplies on Florida Blue s formulary list. Tier 4: Specialty pharmacy prescription medications (self-administered) includes covered specialty preferred generic prescription medications; covered specialty preferred brand name prescription medications or supplies; and covered specialty non-preferred prescription medications or supplies on Florida Blue s formulary list. A formulary is a list of prescription medications that are covered by a benefit plan. You may access current formulary information by visiting floridablue.com in the Florida Blue Medication Guide and updates. Some plans include precertification and quantity limit provisions on prescriptions. Please refer to the Certificate of Coverage for more information. To learn more, go to floridablue.com, select Members, then Prescriptions. 2

3 Carrier Contact Information For pre-enrollment questions regarding any of these plans, call Florida Blue at Identify that you are asking about the TriNet Health Plans, and you can use either the Carrier Network Health Plan name (e.g., BlueCare Plan 67) or the TriNet Health Plan name (e.g., BlueCare HMO 3 Affordable). Please reference the Florida Blue Group Number (44872). For post-enrollment questions regarding any of these plans, call Florida Blue at Participating doctors, hospitals, pharmacies, and other providers are listed in Florida Blue s online directory at floridablue.com. You can also download the Florida Blue Mobile app for your iphone or Android at apps.floridablue.com. For carrier contact information on dental, vision and flexible spending account benefits, please refer to the dental, vision and flexible spending account pages included in this book. Please refer to your insurance carrier s Certificate of Coverage and ID cards for more information. As soon as administratively possible, Carrier Certificates of Coverage will be posted on trinetsoi.com. You will receive an ID card from the carrier approximately two weeks after your initial enrollment has been processed by TriNet. If you need additional card(s) please contact the carrier. For More Information About TriNet SOI Medical Benefits: Contact the TriNet SOI Solution Center at Important Information In accordance with the ACA, a Summary of Benefits and Coverage (SBC) has been prepared for your review. SBCs are intended to provide clear, consistent and comparable information about health plans and benefits coverage. The SBCs can be accessed by logging into trinetsoi.com. Visit the Resources tab, click Forms from the menu options, and then select SOI Health Plan SBC Docs folder. You may also request a copy by contacting the TriNet Solution Center at , Monday Friday, 4:30 a.m. 9 p.m. PT. A uniform glossary of health coverage and medical terms is provided by the Department of Labor (DOL) to help you understand the terms used in the SBCs. The uniform glossary is available online at dol.gov/ebsa/pdf/sbcuniformglossary.pdf. 3 3

4 The TriNet Benefits Guidebook and Summary Plan Description (SPD) include important information such as the HIPAA Privacy Notice, Medicare Part D Creditable Coverage, the Notice of Mandated Benefits, information about the Children s Health Insurance Program (CHIP) and more. To access the Benefits Guidebook and SPD, visit trinetsoi.com or call the TriNet Solution Center at , Monday Friday, 4:30 a.m. 9 p.m. PT to request a copy. Frequently Asked Questions (FAQs) How do I enroll for benefits? You have two options for enrolling for benefits online or by submitting a paper form. If you enroll online, you will only see the plans available to you and the TriNet Online Benefits Enrollment tool will walk you through an easy step-by-step process to make your elections. To enroll online, log in to trinetsoi.com, click Benefits, then Benefits Enrollment. To enroll by paper form, contact the TriNet Solution Center at , Monday Friday, 4:30 a.m. 9 p.m. PT to request a copy of the Benefits Election form. When will deductions for coverage begin? Deductions will begin on the first paycheck of the month in which your coverage begins or, if you are newly eligible for TriNet benefits, the first paycheck after the date your benefit elections are processed. If a benefits election form is submitted after your initial effective date (and prior to the enrollment deadline), your coverage will be setup retroactively and any missed payments will be deducted from your next paycheck in a lump sum. When can I elect to make changes to my coverage? The rules under Section 125 of the Internal Revenue Code require that the benefit elections you make when you are initially eligible or during Open Enrollment be irrevocable and remain in effect until the end of the benefits plan year. Aside from your contributions to an HSA, no changes may be made to any benefit elections during the benefits plan year, regardless whether such benefits are paid on a pre-tax or taxable basis, unless you experience a life status change event. Changes to your benefit elections may be made if the life status change event is reported in a timely manner to TriNet and the benefit changes you request are consistent with the event and are allowed under the TriNet plan and carrier contracts. For more information, refer to the TriNet Benefits Guidebook, or contact the TriNet Solution Center at , Monday-Friday, 4:30 a.m. 9 p.m. PT. 4

5 How do I know if my dependents are eligible for benefits? Eligible dependents include: Your spouse. Your spouse is your legally married husband or wife, as defined by applicable state law. Your (same-sex or opposite-sex) domestic partner who meets the criteria set forth in the TriNet Declaration of Domestic Partnership form. Your, your spouse s, or your domestic partner s natural child, stepchild, adopted child, child placed for adoption, or child for whom you or your spouse, or domestic partner have been appointed legal guardianship, who is less than age 26 (medical coverage may extend past the age of 26 as mandated by applicable state law); a disabled child (insurance carrier approval required); the child of a dependent (this may include grandchildren and great grandchildren if the dependents coverage is mandated by state law and the coverage is permitted by the applicable insurance carrier), or a child named in a Qualified Medical Child Support Order (QMCSO). If you elect coverage for a dependent with a different last name than yours, TriNet may request additional documentation to verify eligibility. What if I am in an active course of treatment with an out-of-network doctor when I enroll in a Florida Blue plan? Members who are in an active course of treatment with an out-of-network provider may apply for Florida Blue s transition of coverage program. To apply, the prospective member and his/her physician must complete a Transition Coverage Request form and submit it to Florida Blue. The Florida Blue Transition Coverage Request form can be requested from the Florida Blue customer service department. Decisions are determined solely by and at the full discretion of Florida Blue. When will my active TriNet Health Plan coverage end? Active coverage in the TriNet Health Plan will terminate on the date that your active employment or eligibility for the health plan ends (for example, the date you move from full-time to part-time employment). Is Florida Blue required to pre-certify any services? Precertification is required for certain services. Please refer to your insurance carrier s Certificate of Coverage for more information. When can I contact the TriNet Solution Center? Contact the TriNet Solution Center for assistance at , Monday Friday, 4:30 a.m. 9 p.m. PT. (Hay representantes de habla hispana disponibles por teléfono.) COBRA Continuation Coverage Rights If you or your covered dependents are no longer eligible for health care coverage through the TriNet Benefits Plan, under certain circumstances you and they may be eligible to continue coverage under the Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) of When you are initially covered under the Plan, TriNet will send a notice that explains COBRA coverage, when it may become available to you and your covered dependents, and what you need to do to protect your right to elect COBRA coverage. For more information about your COBRA rights and obligations under the Plan and under federal law, you should review the TriNet Benefits Guidebook and Summary Plan Description, or contact the TriNet Solution Center at , Monday Friday, 4:30 a.m. 9 p.m. PT. 5